the rearch of conduct financial manger of the performance ... · establishing a multilayered kpi...
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学校编码：10384 分类号 密级
学 号：X2007155135 UDC
硕 士 学 位 论 文
A 银行 H分行理财经理绩效考评体系
优化研究
The Rearch of Conduct Financial Manger of the
Performance Evaluation System in A bank H branch
王丽玉
指导教师姓名： 吴文华 教授
专 业 名 称： 工商管理(MBA)
论文提交日期： 2011 年 月
论文答辩时间： 2011 年 月
学位授予日期： 2011 年 月
答辩委员会主席：
评阅人：
2011 年 11 月
厦门大学博硕士论文摘要库
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厦门大学博硕士论文摘要库
厦门大学博硕士论文摘要库
摘要
摘 要
随着我国金融业日益开放,中国银行业面对来自国外大银行、大财团抢占国
内市场份额的巨大压力。国有商业银行纷纷进行金融创新。商业银行的金融服务
也由卖方市场转为买方市场，客户经理制度基于这样的背景应运而生。客户经理
的实施改变了以往商业银行的内部组织结构多头对外的管理模式，建立了以客户
经理为中心，全行协同统一对外的管理模式。客户经理是收集、反馈市场信息的
“信息员”，也是为客户提供金融产品和服务的“办事员”，是金融产品的“营销
员”。理财经理是客户经理的重要组成部分，理财经理的建立和实施要求要有以
之相匹配的绩效考核，否则就不能取得制度创新应有的效果。因此建立科学、合
理、有效的绩效考评体系已迫在眉睫。
本文以 A 银行 H 分行为实例，基于 A 银行 H 分行目前的绩效考核现状及存
在的问题，通过对绩效考核理论的研究，以及借鉴国内外对理财经理绩效考核的
成功经验，提出基于平衡计分卡思想的 KPI 体系优化方案，通过建立分层次的
KPI 体系，对理财经理的岗位 KPI 进行重新设计。最后，笔者也对绩效考核方案
的实施的相关因素及效果进行了分析。
本文通过对 A银行 H分行理财经理的绩效考评体系的改进，对如何选择、设
计绩效考评体系，提高银行的核心竞争力和绩效管理水平，促进银行提升自身的
竞争力有积极的借鉴意义。
关键词：理财经理；绩效考评；KPI
厦门大学博硕士论文摘要库
厦门大学博硕士论文摘要库
Abstract
Abstract With China gradually open its financial industry, China banking sector is facing
the great pressure that the foreign big Banks, big corporations preemptive taking over
domestic market share. The state-owned commercial Banks have to seek for financial
innovations. Commercial bank's financial service is going into the stage of buyer
market. Thus, customer manager system comes into being under such background.
The implementation of the customer manager system has altered the commercial
Banks internal organization structure bull foreign management mode, set up with the
customer manager for the center, both the management mode of foreign cooperative
unity. Customer manager is collecting market information and feedback, providing
financial products and services, marketing the financial products. Money manager
customer manager is an important part of the financial manager, the establishment and
implementation of the required to have to match the performance evaluation, and you
can't get system innovation should have the effect. So establish the scientific,
reasonable and effective performance evaluation system is imminent.
This paper to A bank as an example, based on the H branch bank Xiamen branch
of A current performance assessment status and existing problems, and through the
research of the theory of performance assessment, and from the domestic and foreign
financial manager of performance assessment, based on the successful experience of
the balanced scorecard thought quality KPI system optimization scheme, and by
establishing A multilayered KPI system, money manager to the post KPI redesigned.
Finally, the author also analyzed performance evaluation plan implementation of
related factors and the effect.
Through the improvement of performance evaluation system to H branch of A
bank money manager, this article has a positive reference on the how to choose and
design performance evaluation system, enhance their competitiveness and improve
the core competitiveness of the bank and performance management level.
Keywords: financial manager; Performance evaluation; KPI
厦门大学博硕士论文摘要库
厦门大学博硕士论文摘要库
目录
目 录
第一章 绪论 ............................................................................................... 1
第一节 选题背景、意义 ....................................................................................... 1
一、选题背景 ................................................................................................... 1
二、研究意义 ................................................................................................... 2
第二节 研究内容框架和研究思路方法 ............................................................... 2
一、研究内容框架 ........................................................................................... 2
二、研究思路及方法 ....................................................................................... 3
第二章 理论基础与文献综述 ................................................................... 4
第一节 绩效及绩效考评内涵 ............................................................................... 4
一、绩效的内涵 ............................................................................................... 4
二、绩效考评的内涵 ....................................................................................... 5
第二节 绩效考评的内容和方法 ........................................................................... 6
一、绩效考评的内容 ....................................................................................... 6
二、绩效考评方法 ........................................................................................... 6
第三节 目前国内外银行绩效考评实践及启示 ................................................. 12
一、国内外银行员工绩效考评实践 ............................................................. 12
二、国内外银行绩效考评启示 ..................................................................... 15
第三章 A 银行 H 分行理财经理绩效考评体系的现状与问题分析 .... 17
第一节 A 银行 H 分行概况 ................................................................................ 17
一、A 银行简介 ............................................................................................. 17
二、A 银行 H 分行概况 ................................................................................ 17
第二节 A 银行 H 分行理财经理结构及其特点、地位 .................................... 21
一、H 分行理财经理结构 ............................................................................. 21
二、H 分行理财经理特点 ............................................................................. 23
三、H 分行理财经理地位及作用 ................................................................. 23
第三节 A 银行 H 分行理财经理绩效考评体系现状及问题分析 .................... 24
一、H 分行绩效考评体系的发展历程 ......................................................... 24
厦门大学博硕士论文摘要库
目 录
二、H 分行理财经理绩效考评体系的现状 ................................................. 25
三、H 分行理财经理绩效考评体系问题分析 ............................................. 30
第四节 H 分行理财经理绩效考评体系改进必要性分析 ................................. 32
第四章 A 银行 H 分行理财经理绩效考核体系的优化方案 .............. 33
第一节 理财经理新绩效考核体系优化目的及原则 ......................................... 33
一、绩效考核体系改进的目的 ..................................................................... 33
二、绩效考核改进原则 ................................................................................. 34
三、绩效考核方案的优化思路 ..................................................................... 35
第二节 H 分行理财经理绩效指标设计方法的选择 ....................................... 35
一、平衡计分卡的选择 ................................................................................. 35
二、关键绩效指标 KPI 的选择 .................................................................... 36
第三节 H 分行理财经理绩效指标体系设计 ..................................................... 37
一、H 分行一级 KPI 体系建立 .................................................................... 37
二、个人业务部门关键绩效指标 KPI ......................................................... 40
三、H 分行理财经理的工作岗位职责及关键绩效指标 KPI ..................... 42
四、指标权重的设定 ..................................................................................... 45
五、指标评价标准的制定 ............................................................................. 46
第四节 H 分行理财经理绩效考评制度的完善 ................................................. 47
一、绩效考评主体的选择 ............................................................................. 47
二、考评频率的确定 ..................................................................................... 47
三、考评结果的反馈 ..................................................................................... 47
四、申诉机制及考评结果的运用 ................................................................. 48
第五章 A 银行 H 分行理财经理绩效考评体系改进方案的实施保障、
效果预测 .................................................................................................... 52
第一节 理财经理绩效考评体系改进方案的实施保障措施 ............................. 52
一、完善部门组织架构和职级体系 ............................................................. 52
二、完善人力资源管理工作 ......................................................................... 53
三、完善科技信息系统 ................................................................................. 53
第二节 改进前后优势的评估 ............................................................................. 54
厦门大学博硕士论文摘要库
目录
第三节 方案实施效果预测 ................................................................................. 55
第六章 结论 ............................................................................................. 56
参考文献 .................................................................................................... 58
附件 1 ......................................................................................................... 59
附件 2 ......................................................................................................... 60
致 谢 .......................................................................................................... 61
厦门大学博硕士论文摘要库
厦门大学博硕士论文摘要库
Contents
Contents
Chapter 1 Preface ................................................................................. 1
Section 1 Background.and Meanings .............................................................. 1
一、Background ............................................................................................... 1
二、Meanings ................................................................................................... 2
Section 2 The research content framework and research thought method ... 2
一、The research content framework ............................................................... 2
二、The research thought method .................................................................... 3
Chapter 2 General Introduction about Performance Evaluation
Theory ......................................................................................................... 4
Section 1 Performance and performance evaluation connotation ................. 4
一、The connotation of the performance ......................................................... 4
二、The connotation of performance evaluation ............................................. 5
Section 2 Performance evaluation of the content and method ....................... 6
一、The content of the performance evaluation .............................................. 6
二、Performance evaluation method ............................................................... 6
Section 3 Practice and enlightenment of Domestic and Foreign
Commercial Bank Performance Evaluation...................................................... 12
一、Domestic and foreign bank employee performance evaluation practice 12
二、 Domestic and foreign bank performance evaluation enlightenment .... 15
Chapter 3 The manager of conduct financial transactions of the
performance evaluation system of present situation and problems
analysis at A bank H branch ................................................................... 17
Section 1 the general of A bank H branch ...................................................... 17
一、Introduction to A bank ............................................................................ 17
二、The general of A bank H branch ............................................................. 17
Section 2 The structure and characteristic、 status of conduct financial
manage at A bank H branch ............................................................................... 21
一、H branch conduct financial manager structure ....................................... 21
厦门大学博硕士论文摘要库
Contents
二、H branch conduct financial manager characteristics .............................. 23
三、H branch conduct financial manager position and function ................... 23
Section 3 The conduct financial manager performance evaluation system
present situation and problem analysis at A bank H branch ........................... 24
一、H branch of the performance evaluation system development process .. 24
二、H branch manager of financial transactions of the present situation of
performance evaluation system ....................................................................... 25
三、H branch conduct financial manager performance evaluation system
problem analysis ............................................................................................. 30
Section 4 H branch conduct financial manager performance evaluation
system improvement necessity analysis .............................................................. 32
Chapter 4 A bank H branch manager of conduct financial
transactions of the performance evaluation system optimization
scheme ....................................................................................................... 33
Section 1 The conduct financial manager new performance evaluation
system optimization purposes and principles .................................................... 33
一、Performance evaluation system improvement purpose .......................... 33
二、Performance improvement principle ....................................................... 34
三、The performance assessment scheme optimization idea ........................ 35
Section 2 H branch conduct financial manager performance indicators
design to the choice of methods ........................................................................... 35
一、The balanced scorecard choice ............................................................... 35
二、Key performance indicators KPI choice ................................................. 36
Section 3 H branch conduct financial manager performance indicators
system design ........................................................................................................ 37
一、To set up H branch level 1 KPI system ................................................... 37
二、Personal business department of key performance indicators KPI ......... 40
三 、 H branch manager of conduct financial transactions the job
responsibilities and key performance indicators KPI ..................................... 42
四、Set of index weight ................................................................................. 45
五、Index evaluation standards ...................................................................... 46
厦门大学博硕士论文摘要库
Contents
Section 4 H branch conduct financial manager performance evaluation
system is perfect ................................................................................................... 47
一、Performance evaluation of subject choice .............................................. 47
二、Evaluation of the frequency of sure ........................................................ 47
三、Evaluation results of feedback ................................................................ 47
四、The mechanism and evaluation of the use of the results ........................ 48
Chapter 5 A bank H branch conduct financial manager
performance evaluation system improvement plan of the
implementation of the security, the expected result ............................. 52
Section1 Financial manager performance evaluation system improvement
plan of the implementation of the security measures ....................................... 52
一、To perfect the department organizational structure and rank system ...... 52
二、To perfect the human resource management ........................................... 53
三、To improve science and technology information system ........................ 53
Section 2 The advantage of improved assessment.......................................... 54
Section 3 Scheme implementation the expected result .................................. 55
Chapter 6 conclusion .......................................................................... 56
reference .................................................................................................... 58
Attachment 1 ............................................................................................ 59
Attachment 2 ............................................................................................ 60
Acknowledgements .................................................................................. 61
厦门大学博硕士论文摘要库
厦门大学博硕士论文摘要库
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厦门大学博硕士论文摘要库